Amtrak Guest Rewards Mastercard
By Alex Compton · Last verified
A free way to keep Amtrak points alive and earn 2x on dining.
Welcome Bonus
20,000
≈$500 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: Limited-time offer, apply by 11/4/2026: 15,000 points after $1,000 in purchases plus 5,000 points for adding an authorized user, both within the first 3 billing cycles
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 3 tracked offers going back to 2023, nothing has beaten 20k.
Current offer
20k
All-time high
20k
Typical offer
12k
In place since
October 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 20,000 | $1,000 in 3 mo | Bonus increased: 12,000 → 20,000Limited-time offer, apply by 11/4/2026: 15,000 points after $1,000 in purchases plus 5,000 points for adding an authorized user, both within the first 3 billing cycles | Amtrak Guest Rewards credit card application page → |
| 2026-06 | 12,000 | $1,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2023-09 | 12,000 | $1,000 in 3 mo | Earliest recordPost-refresh standard offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Offer now 15,000 points after $1,000 plus 5,000 for an authorized user (apply by 11/4/2026); the FNBO Summary of Credit Terms shows no foreign transaction fee.
Fields: bonus, foreignTransactionFee
Amtrak Guest Rewards credit card application page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 2xAmtrak travel and onboard purchases
- 2xDining
- 1xEverything else
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦5% points rebate on Amtrak redemptions
- ✦10% back on onboard food and beverage purchases
- ✦Keeps Amtrak Guest Rewards points from expiring
- ✦No foreign transaction fees
Why it earns its spot
- +No annual fee for a 2.5-cent currency
- +Up to 20,000 points, roughly $500 of Amtrak travel, for $1,000 spend plus an authorized user
Where it costs you
- −No companion coupon or upgrade, which is the whole Amtrak card appeal
- −Thin earning outside Amtrak and dining
The Compound Verdict
The bonus is quietly excellent for a no-fee card because Amtrak points are worth so much toward fares. As a keeper it is a points-expiration shield and not much more. Riders who take even a few trips a year should pay up for the Preferred.
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